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Quality Control Advisor®
User Guide
November 2019
Freddie Mac Quality Control Advisor Page ii November 2019
Notice
The information in this document is intended to provide general guidance to Freddie Mac Seller/Servicers. The information is offered as an aid in, not a substitute for, complying with the requirements set forth in the Single-Family Seller/Servicer Guide (the Guide). Each Freddie Mac approved Seller/Servicer must comply with all applicable provisions in the Guide, and all other purchase documents, as that term is defined in the Guide and non-disclosure agreements. This publication does not constitute a part of the Guide. In the event any information provided in this publication conflicts or is inconsistent with the provisions or requirements of the Guide or any Purchase Document, the provisions or requirements of the Guide and such Purchase Documents control and supersede the information contained this publication.
This document is not a replacement or substitute for the information found in the Freddie Mac Single-Family
Seller/Servicer Guide or terms of your Master Agreement or other Pricing Identifier Terms. © 2019 Freddie Mac
November 2019 Freddie Mac Learning Page 1
Introduction
Ch
ap
ter
1
Overview
Quality Control Advisor®, a component of Freddie Mac Loan AdvisorSM, is a secure web-based system
that enables Seller/Servicers to more effectively manage their post-funding quality control and remedy
process – including performing and non-performing loan file requests.
You can easily:
• Check the status of a loan review so you know where it is in the loan file review and remedy
process.
• Upload documents and loan files and get immediate confirmation that we've received the
documents.
• Quickly and easily view all outstanding documentation requests. Immediately learn the status
of loan file reviews. Track defects and see sample and deficiency trends.
• Easily adjust filters to view your loan review summaries. See your top 5 deficiencies, top 10
missing document types and missing document rate. Adapt reports to what you want to see in
a certain month.
• View and download your QC sample to get a jump start on your loan file requests. Track the
status of your QC samples and view loan review status.
The table below outlines the main functions and features in Quality Control Advisor:
Function Description
Loan File
Management
Provides information on file requests and specific file issues, including missing
and incomplete documents, appeals and incomplete file statuses.
Remedy
Management
Provides information on outstanding repurchase or remedy requests.
Seller/Servicers can view the loan status, latest actions and provide real-time
comments to the Remedy Management team.
Management
Reporting
Provides flexible reports and customizable dashboards containing current,
historical and trending data for QC and remedy data.
Miscellaneous Provides access to Adverse Self Reporting, Report Adverse Loan, and Non-QC
Sample information.
Note: Effective 11/11/2019, Customer Administrators will provision users through Freddie Mac Access
Manager.
Historical Data
Quality Control Advisor contains data as of January 1, 2017, as well as all outstanding requests.
Historical data is accessible in the main functions as follows:
Function All Outstanding
File Requests
All Outstanding
Remedy Requests
All Outstanding
File Remedies
Loan File Management X
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 2
Remedy Management X
Management Reporting X X
Establishing User Roles
User roles determine a designated user’s access within Quality Control Advisor. User roles are defined
for each of Quality Control Advisor’s three main functions. Each User Role is given different access
and functionality. Your organization may assign multiple user roles to a single individual.
Seller/Servicers must assign employees to the specified user roles (authorized tasks) for Loan File
Management, Remedy Management, and/or Management Reporting. If a user needs access to both the
Loan File Management and the Remedy Management views, a Seller/Servicer should choose Loan File
Management Customer Read Only (RO) and Remedy Management Customer Write or Remedy
Management Customer RO. All user roles can reset their individual password.
The table below outlines access rights and responsibilities of each of the User Roles:
Role Description
Loan File Management
Customer RW
(Read/Write)
The user has access to the Loan File Management view, where users may view
and download current and historical samples, checklists, and view missing
documentation requested. Users may follow the status of loan reviews, enter
comments regarding documentation and upload QC requested files and
documents.
Remedy Management
Customer RO
(Read Only)
The user has access to the Remedy Management view used for reviewing
repurchases, remedy, and appeal requests in the system. Records are restricted
to only those assigned to the responsible family. A user with this role can view
Customer Comments and Freddie Mac External Comments but cannot add
comments or change the file status.
Remedy Management
Customer RW
(Read/Write)
The user has access to the Remedy Management view used for reviewing
repurchases, remedy, and appeal requests in the system. Records are restricted
to only those assigned to the responsible family. A user with this role can view
Customer Comments and Freddie Mac External Comments as well as add
additional comments and change customer status.
Management
Reporting
The user has access to the Management Reporting view used to view key QC
current and historical data metrics for analyzing trends to help you identify and
correct possible loan manufacturing process deficiencies. This user can create
customizable dashboards to access and manage reports reflecting data on QC
samples, loan file deficiencies, and file review pipelines as well as generate
flexible reports for further analysis or distribution within their respective
organization.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 3
How to Obtain User Names and Passwords
The table below outlines how to obtain user names and passwords to access Quality Control Advisor,
or to modify and/or delete an existing user:
Role Action
Customer Administrator Freddie Mac Access Manager is a self-service system that enables
Seller/Servicer Customer Administrators who have registered and received
Freddie Mac's authorization, to create, manage, and provision their users'
access to certain Freddie Mac Single-Family sourcing and servicing tools and
applications.
All Users
(All roles)
New users must click the e-mailed link, enter the PIN, and create a new
password within the timeframe designated in the e-mail.
Before You Begin Using Quality Control Advisor
Before you begin using Quality Control Advisor, ensure you meet the minimum system
recommendations and have access to Quality Control Advisor. This section provides information on
system recommendations, hours of operation, and accessing Quality Control Advisor.
System Recommendations
We recommend using Microsoft Internet Explorer 11 and Mozilla Firefox 45. If lower browser versions
are used, you may notice some display and format differences.
Hours of Operation
Click this link and navigate to the Quality Control Advisor hours of operation –
https://sf.freddiemac.com/tools-learning/loan-advisor/hours-of-operation
Accessing Quality Control Advisor
Quality Control Advisor is accessed via the Internet. To access, complete the following steps:
Step / Action Result / Notes
1. You can access the Loan
Advisor Portal page via
the following URL:
https://sf.freddiemac.com
/tools-learning/loan-
advisor/overview
NOTE Bookmark this address for future access.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 4
Step / Action Result / Notes
The Freddie Mac Home page
displays.
2. Click LOG IN.
2. Enter the Username and
Password from your
Freddie Mac email
message.
Then click LOG IN.
OR
Enter your Username and
Password to access the
Loan Advisor Welcome
page.
The Loan Advisor page displays:
NOTE You may change your individual password at any time. Launch
the following demonstration for extra help: User Profile and
Reset tutorial.
NOTE Passwords must be at least eight characters long and must
include at least two alpha and one non-alpha character. To
ensure the security of your data, we recommend you change
your password regularly— preferably every 90 days.
NOTE If you forget your username or password, follow the prompts
from the links Forgot your username/password? at the bottom of
the LOG IN window.
NOTE Visit the Quality Control Advisor web page at
http://FreddieMac.com/loanadvisorsuite/qualitycontroladvisor/
to help you get started with Quality Control Advisor tips, quick
references, news, training information and other useful tools.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 5
Step / Action Result / Notes
3. On the Loan Advisor ®
Welcome page, click
Open across from Quality
Control Advisor.
The Welcome to Quality
Control Advisor page
displays (shown below).
The Loan Advisor Welcome page displays:
NOTE When you select your User Name, a drop-down menu displays
with My Preferences information and the ability to log out.
NOTE If this is the first time you are using your User Name and
Password, you will be prompted to change your Password and
set the Security Profile questions.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 6
Navigating Quality Control Advisor
The Welcome to Quality Control Advisor page - The user role(s) assigned to you will determine what
functionalities you can view/access. Therefore, only functions under your user role(s) will display.
The table below provides a brief description of the functions and features available in Quality Control
Advisor:
Feature Description
Loan Advisor
Menu
▪ Links to the Loan Advisor Home Page
▪ Menu toggles between the Loan Advisor Page and Quality Control Advisor
Welcome page.
User
Information
Provides access to resources and support:
▪ Displays the User ID you used to log into Quality Control Advisor. When you
select your User Name, a drop-down menu displays with My Preferences
information and the ability to log out.
▪ Contact Us displays the email address used to request assistance, business
support and application availability hours.
▪ Help provides access to the Loan Advisor online help system.
Functions ▪ User Roles (Loan File Management, Remedy Management, and/or Management
Reporting as applicable)
▪ Miscellaneous (self-reporting)
▪ Notices - Provides information about upcoming or current system availability. It is
important to review these messages as they may indicate planned down time for
technical enhancements or may reference potential data delays if processing jobs
are running longer than expected.
Technical
Support
Displays information on contacting Technical Support.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 7
Feature Description
Other
Features/
Functionality
Other features/functionality available (where applicable) in Quality Control Advisor
include:
Online help: Click the help icons to access additional information on
individual Management Reporting data sections.
Click the print icon to print a copy of any section, dashboard or report. This
creates a PDF which you can then open or save, and easily print.
Click to view loan-level details. A pop-up window will display the
associated loan-level details.
You can export data by clicking Export To Excel. Refer to Exporting Data
section of the applicable Chapter for more information.
Columns of information can be sorted in ascending or descending order
by clicking the column title.
To sort by a different column, simply click on the heading of the column
you wish to sort.
Click the arrow to scroll up and down a page.
Click the arrow to scroll up a page.
Use the scroll bar at the bottom of the page to view all columns of data.
Hover your cursor over a column heading to view a heading title or to adjust the
column width.
Action Result / Notes
Loan File Management
Provides summarized
reporting on loan file
requests and key loan file
statuses.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 8
Action Result / Notes
Remedy Management
You can access loan
information and reporting
regarding remedies in your
pipeline.
Management Reporting
You can view your QC and
remedy data through
various reports and create
an individualized
dashboard.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 9
Action Result / Notes
Miscellaneous
This function contains
miscellaneous features
including: Adverse Self
Reporting, Report Adverse
Loan and Non-QC Sample.
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 10
Online Help
Click to access a robust online help tool that provides step-by-step instructions for most common
functions.
Action Result
You can access Online
Help from any page
within Quality Control
Advisor by clicking the
Help icon on the right
side of the page.
The Welcome to our Help
Center page displays.
You may either click on
topic that you need help
with, or search for
content in the search
field.
To exit, close the tab to
get back to the system
The page displays
information on topic
you selected.
Favorites
Click to save a topic to
favorites.
To view topics previously
saved, click .
Example – Loan File Management Help page
Chapter 1 - Introduction
November 2019 Freddie Mac Learning Page 11
Action Result
The topics saved will
appear under ‘Favorites’.
November 2019 Freddie Mac Learning Page 1
Loan File Management
Ch
apte
r
2
Loan File Management offers five tabs to view Quality Control (QC) loan file data: 1) Quick Reports 2) Loans, 3) Document Requests, 4) Appeals and 5) Document Upload Log.
Action Result / Notes
When entering Loan File Management, you will be taken to the Quick Reports tab on the Loan File Management main page – the default landing page.
A comments alert message appears in the upper right corner of each of the five tabs to notify you if new Freddie Mac comments are available for loans.
Click anywhere on the new comments available hyperlink to access the comments.
The alert message also indicates the number of new comments available. In this example, there are 2 new comments.
NOTE: Quality Control Advisor data is refreshed daily. The effective date of the data is noted in the upper right-hand corner of the screen, and typically has a 24- to 48-hour lag time.
Other features/functionality available in Loan File Management:
Page navigation icons become active when six or more records appear under a specific review type category to access additional records.
Columns of information can be sorted in ascending or descending order by clicking the column title.
To sort by a different column, simply click on the heading of the column you wish to sort.
Use the scroll bar at the bottom of the page to view all columns of data.
Hover your cursor over a column heading to view a heading title or to adjust the column width.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 2
Action Result / Notes
A New Comments pop-up displays with a list of the new comments.
Double click anywhere within a row to access the Loan Detail page and review the comment(s).
NOTE: If no record, or more than one record is selected, the error message displays: ‘One record must be selected to proceed.’
On the Comments History tab of the Loan Detail screen, click on the comment you want to view. The screen will expand to display the Comment Detail.
For step-by-step instructions on how to add or reply to comments, refer to the Comments section of this chapter
Click the ‘X’ to exit out of the Loan Detail screen. The system will navigate back to the New Comments window.
The number of new comments available is updated in the New Comments popup.
The number of new comments available is updated in each of the five tabs.
Quick Reports The Quick Reports tab provides summarized reporting on loan file requests and key loan file statuses.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 3
Action Result / Notes
The Quick Reports tab page provides:
1. A summary of the number of active files, document and appeals requests.
2. A breakdown of current and historical sample requests by review type. (Historical requests include the previous six months of requests.)
3. Links to view details on specific requests or appeals. (Links are blue.)
Under Sample Requests, the Current Month tab and Historical tab contain icons to expand ( ) or collapse ( ) sections with more information on the requests.
Each section includes: • Type of review. • Date the files were requested. • Number of files within the request. • Number of files pending delivery by the customer or receipt by Freddie
Mac. • Progression bar indicating what percent of the requested files were
received. • Checklist PDF containing details on required file documentation for that
specific sample.
Option to export the sample request details.
2
1
3
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 4
To view any of the report details, click the applicable blue link under File Requests, Document Requests, Appeals or Sample Requests.
Current Month Tab View:
For the Historical tab, click to expand a row to access individual sample requests, or select View Detail for a complete listing.
Historical Tab View:
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 5
The report you select opens with a list of applicable loans. This example lists loans with missing or incomplete document requests.
With each Quick Report, the fields that appear can be used as filtering criteria to search for an individual loan.
Select your search criteria and click Filter.
The record(s) found re-displays with the results.
To clear the filter criteria, click Reset.
Double-click on any row for more details about the loan.
For information on other features available (i.e. Export to Excel or Upload Documents), refer to the Additional Features section of this chapter.
To return to the previous screen,
click the symbol at the top left of the screen.
NOTE: For field definitions, refer to the Data Field Definitions at the end of this chapter.
Loans The Loans tab provides the most comprehensive details on a loan or group of loans.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 6
Action Result / Notes
To view details on a loan or group of loans, select the Loans tab on the Loan File Management page.
Any of the fields in the top portion of the Loan File Management page can be used as filtering criteria to search for an individual loan or group of loans. Select your criteria and click Filter.
The record(s) found re-displays with the results.
To clear the criteria, click Reset.
For information on other features available (i.e. Export to Excel or Upload Documents), refer to the Additional Features section of this chapter.
For field definitions, refer to the Data Field Definitions at the end of this chapter.
Document Requests The Document Requests tab provides a list of the missing and/or incomplete documents for an individual loan or group of loans. Prior to imaging, Freddie Mac reviews the file. If required critical documents are not included in the file, the file is deemed incomplete and Seller/Servicers are notified of the incomplete critical documents only. A file does not continue through the review process until Freddie Mac receives the critical documents.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 7
Action Result / Notes
To view a list of QC loans with document requests, select the Document Request tab on the Loan File Management page.
Any of the fields in the top portion of the screen can be used as filtering criteria to search for an individual loan or group of loans.
After selecting your search criteria, click Filter. The record(s) found re-displays with the results.
To clear the search criteria, click Reset.
For information on other features available (i.e. Export to Excel or Upload Documents), refer to the Additional Features section of this chapter.
For field definitions, refer to the Data Field Definitions at the end of this chapter.
Appeals The Appeals tab provides a list of loans with an appeal. Seller/Servicers can view basic information about the appeal and status.
Action Result / Notes To view a list of loans with an appeal, select the Appeals tab on the Loan File Management page. Any of the fields in the top portion of the screen can be used as filtering criteria to search for an individual loan or group of loans. Select your search criteria and click Filter. The record(s) found re-displays with the results. To clear the search criteria, click Reset. For information on other features available (i.e. Export to Excel or Upload Documents), refer to the Additional Features section of this chapter. For field definitions, refer to the Data Field Definitions at the end of this chapter.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 8
Document Upload Log
The Document Upload Log tab provides a list of uploaded documents. Seller/Servicers can view basic information about the uploaded document such as the document type, who uploaded the document, the submission date and can view the uploaded documents.
Action Result / Notes
To view a log of uploaded documents, select the Document Upload Log tab on the Loan File Management page.
Any of the fields in the top portion of the screen can be used as filtering criteria to search for an uploaded document or group of documents.
After selecting your search criteria, click Filter. The record(s) found re-displays with the results
To clear the search criteria, click Reset.
To view a document uploaded via Quality Control Advisor, click the icon in the applicable loan record. The View Doc pop up window displays the uploaded document.
For information on other features available (i.e. Export to Excel or Upload Documents), refer to the Additional Features section of this chapter.
For field definitions, refer to the Data Field Definitions at the end of this chapter.
NOTE: If an associated Seller/Servicer uploads a document on your behalf, you can see it in the Submitted By Company column.
Additional Features
The following features are available in most of the Loan File Management tabs:
• View Loan Detail
• Export to Excel
• Multi Loan Search
• Letter Text
• Comments
• Upload Documents
View Loan Detail
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 9
Action Result / Notes
To view individual loan information, double-click anywhere on the loan within the row.
The Loan Detail page displays selected loan information.
To view data, you can navigate among the Loan Data, Seller/Servicer Data, Loan History, Letter Text and Comments History sub-tabs.
Data sub-tab: To view loan data for a specific loan, select the Data sub-tab.
Seller / Servicer (Slr/Svcr) sub-tab: To view Seller / Servicer data for a specific loan, select the Seller / Servicer sub-tab.
History sub-tab:
To view selected loan history information, including documents requested or submitted, select the History sub-tab.
• You can view the Document Upload History and the document(s) uploaded to Freddie Mac through Quality Control Advisor on this page.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 10
Action Result / Notes
Letter (Ltr) Text sub-tab:
To view letter text for a specific loan, select the Ltr Text sub-tab.
Export to Excel
Action Result / Notes
To export data, click Export to Excel.
A new window displays asking if you want to Open or Save the Excel file.
Multi Loan Search
Action Result / Notes
The Multi Loan Search allows you to search for a group of loans using loan numbers. To search and view results on a specific group of loans, you can either create an Excel spreadsheet with the list of loan numbers and upload it or enter loan numbers in the Multi Loan Search list box. You can use a list of Freddie Mac, Seller, or Servicer Loan Numbers.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 11
Action Result / Notes
If using an Excel spreadsheet, create the list of loan numbers in the Excel spreadsheet. Your list can have as many loan numbers as needed as long as there are no numbers in the header row (row 1).
Save the file to your desktop.
Click Multi Loan Search.
A pop-up window will display where you can select a search type from the drop-down list. The type selected needs to match the specific loan numbers you entered in the spreadsheet (Freddie Mac, Seller, or Servicer Loan Number).
Once the type has been selected from the drop-down menu, click Browse and find the Excel file on your desktop.
Select the Excel file and click Search.
NOTE: Seller/Servicer loan numbers must match those displayed by
Freddie Mac, i.e., missing leading zeros will result in no information
You may also use the list box. Enter the loan numbers (or drag/drop a list) in the search box, then click
Search.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 12
Action Result / Notes
Your results will display on the Import Loan Number List Results page.
To return to the previous screen, click the back arrow symbol at the top left of the screen
NOTE: Any unmatched loans will not be displayed in the results.
Letter Text
Action Result / Notes
To access the letter text associated with a loan, click on the loan to highlight it, and click Letter Text.
NOTE: You can select more than one loan before clicking Letter Text.
You can also clear a selection by clicking on the loan again, or by using the Deselect all button to clear all selections.
The Letter Text History displays. Click on the loan to highlight it and Letter Text Results displays.
Comments
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 13
Action Result / Notes
Add Comments
To add comments (start a new comment thread), click on the loan you wish to include for the comment in the Loans, Document Requests, Appeals or the Document Upload Log, and then click Comments.
NOTE: If no record or more than one record is selected, the user will
receive the error message “One record must be selected to proceed.”
The Comments History tab of the Loan Detail screen displays. Click Add Comments.
• Comment Statuses are: New, In Progress and Completed.
• To view your comment, click the arrow located to the right of Comment Status column. The screen displays to display all comments for that particular Comment ID.
• The latest comment in the thread will display
The Add Comments pop-up displays. Select the Category from the drop down.
Add your new comment in the text box and click Submit.
Chapter 2 - Loan File Management
November 2019 Freddie Mac Learning 14
Action Result / Notes
The new comment will appear in the Comments History tab of the Loan Detail screen.
Reply to a Comment
To reply to a comment, highlight the record you want to respond to.
The Reply button activates. Click Reply.
NOTE:
The Comment Detail displays at the bottom of the screen.
Only the latest applicable comment will display.
Comment statuses are:
• New
• In Progress
• Completed
A ‘Reply Comment’ pop-up displays. Add your response in the text box and click Submit.
To view your comment history, click the arrow located to the right of that particular comment. The screen expands to display all comments for that particular comment.
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November 2019 Freddie Mac Learning 15
Upload Documents
The Upload Documents option allows you to securely send Freddie Mac loan files or documents through Quality Control Advisor. One or more loan files or documents in a PDF file format may be uploaded at a time. There are two ways to upload documents in Quality Control Advisor: Single Loan Upload and Multi Loan Upload. All documents and files uploaded via Quality Control Advisor should:
Be a single PDF (Portable Document Format) file.
Not exceed 100 MB or 1000 pages.
Not be password-protected or encrypted.
Have a file name of less than 100 characters.
Single Loan Upload
The Single Loan Upload allows you to upload a loan file or document to a specific loan. There is no required naming convention when using the Single Loan Upload function.
Step / Action Result / Notes
To upload documents for an individual loan file, use the search field to locate the loan.
1. Click anywhere on the loan within the row to highlight it and click Upload Documents.
The Loan Detail page displays with the selected loan information.
NOTE: You can also double-click on the loan.
2. The Document Upload page displays. The Loan Detail page displays. Select the Upload Docs tab.
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Step / Action Result / Notes
The following document types may be uploaded one at a time through this page for the selected loan file:
• Loan File
• Document Requests
• Appeals
Data and prompts that display are based on the type of document you want to upload.
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Step / Action Result / Notes
3. Select the type of documentyou want to upload.
Step 1: Select Upload Type from the drop-down list.
Step 2: Upload Docs Click in the dashed box to browse for a file or drag and drop files.
Example: Loan File
The following data displays when Loan File is selected:
Doc Type and Description Data Fields
Subject Loan File:
The file requested by Quality Control for audit.
Data displayed includes: the file request date (1st File Rqst Date, the 2nd File Rqst Date (if applicable), the Due Date, Status Date and File Order Status.
Original Loan File:
The previously approved full credit file required for some streamline refinance types. This will be detailed on the sample request if required.
Date Received and the Note Date.
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Step / Action Result / Notes
4. Browse.
5. Locate the .pdf file you want to upload and click Open.
6. The dashed box displays the type of document selected for upload.
To continue adding documents, follow the same process of choosing a file until you have selected all the files you plan to upload at that time.
To remove a document from the list, highlight the document and click Cancel.
7. Once you have completed adding or removing documents, click Upload.
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Step / Action Result / Notes
8. An information message displays indicating the documents uploaded. Click OKAY.
To upload Document Requests, repeat steps 2 to 8 above.
NOTE:
In the Document Upload screen:
• For Missing/Incomplete Documents: Click the checkbox(s) next to the document(s) you wish to upload or select the checkbox in the header row to select all the documents listed.
Example – Document Requests
Doc Type/Description
Data Fields
Missing/Incomplete Documents:
Documents that are requested by QC when reviewing the file.
Data displayed includes: The Doc Code, Date Ordered, Doc Order Status, a description of the documents, and if applicable, additional comments.
• For Doc Order Status of “Ordered” or “Rejected”, the checkboxes are enabled for you to select the document(s) you wish to upload.
• For Doc Order Status of “Received”, “Received / Alt Docs Provided” and “Canceled”, the checkboxes are disabled.
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Step / Action Result / Notes
Appeals
Select Appeals as the Upload Type.
To upload an Appeal document, repeat steps 2 to 8 above.
A cover letter must accompany an Appeal submission.
Example: Appeals
Appeals - Data Fields
Data displayed includes: Date Received, Date Letter Published, Primary Appeal Status and the Appeal Decision.
NOTE: You may upload Appeals to Quality Control Advisor or to the Appeal Mailbox. Please do not send the appeal to both locations.
You may upload an Appeal when the Customer Review Status is Remedy Receipt Pending status ONLY.
If the status is Appeal Decision Pending, the following error message pop-up will display: An appeal has already been received and is pending review. If you have additional information that should have been included with the existing pending appeal, please contact your Remedy Underwriter. For any status other than Remedy Receipt Pending or Appeal Decision Pending, the following error message will display in the Error column on the Document Upload Log: Appeal cannot be uploaded because there is no open repurchase.
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Step / Action Result / Notes
History tab
After documents are successfully uploaded, the date the documents were uploaded displays in the Date Submitted column.
Loan File:
Once Freddie Mac QC processes the Subject Loan File, the Status Date, File Order Status, Date Submitted columns will be updated.
The Doc Code reflects the document type you selected.
Document Requests:
Once Freddie Mac QC processes the documents, the Status Date and Doc Order Status columns will be updated.
Appeals:
Once Freddie Mac QC processes the Appeal, the Date Received and Primary Appeal Basis columns will be updated.
After a decision has been made on the appeal, the Appeal Decision field is updated.
NOTE: Typically, it takes 24-48 hours for the View Loan page to reflect the updated information
View History of Uploaded Documents:
The Document Upload History section of the Loan Detail page displays the history of uploaded documents.
View Doc allows Seller/Servicers to review loan files and or documents uploaded via Quality Control Manager.
To view an uploaded document, click the icon in the applicable loan record.
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Step / Action Result / Notes
The View Doc pop up displays.
Hover your cursor over the top of the screen and options to save, print, expand/collapse the view or view as a pdf doc will display.
Click the X at the top of the screen to exit out of the document.
NOTE: Loan files and documents uploaded via Quality Control Advisor will be available to Seller/Servicers for viewing until the loan review has been closed/cancelled.
NOTE: User can only view documents associated with that Seller/Servicer.
Multi Loan Upload
The Multi Loan Upload allows you to upload multiple Loan Files and Documents in multiple batches. Each batch can consist up to 20 documents/loan files for multiple loan numbers at the same time. If you have multiple batches, you can start a new batch after the previous batch has completed Quality Control Advisor’s verification process.
This functionality also allows Quality Control Advisor users to upload files for any valid Freddie Mac loan number, providing the ability of Sub-Servicers or original Sellers to upload loan files and documents for the Seller/Servicer responsible for QC review.
Action Result / Notes
To upload documents for multiple loan numbers at the same time, click the Upload Documents button from the Loans, Document Requests or Appeals screen without selecting a loan number. The Multi Loan Upload page displays.
NOTE: You may upload an Appeal when the Customer Review Status is in Remedy Receipt Pending status ONLY.
If the Customer Review Status is Appeal Decision Pending, the following error message will display in the Error column on the Document Upload Log: An appeal has already been received and is pending review. If you have additional information that should have been included with the existing pending appeal, please contact your Remedy Underwriter. For any Customer Review Status other than Remedy Receipt Pending or Appeal Decision Pending, the following error message will display in the Error column on the Document Upload Log: Appeal cannot be uploaded because there is no open repurchase.
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November 2019 Freddie Mac Learning 23
Action Result / Notes
Click on the dashed box to browse for files or drag and drop files into the box.
NOTE: Each file must be a single PDF and not exceed 100MB.
Loan files and documents must follow strict naming conventions. The file name must meet the following specifications:
Begin with the Freddie Mac Loan Number,
Followed by an underscore, and
End with one of the following Doc Type designations:
Subject Loan File LN
Original Loan File OLF
Missing Docs/Incomplete Docs MD_INC
Appeals APL
One Upload per Loan # Example:
123456789_LN
987654321_MD_INC
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November 2019 Freddie Mac Learning 24
Action Result/Notes
After selecting the files for upload, click Upload.
Once the document upload process begins, Quality Control Advisor verifies and uploads the file(s).
NOTE: If you need to delete a file from the list before uploading, click “Cancel”.
After the upload batches are completed, a pop-up message will display advising you to validate the upload via the Document Upload Log.
The uploaded batches are assigned a Batch Number.
To validate the upload results or access later, click the Document Upload Log tab.
NOTE Upload Status: Loans included in the batch will be listed in the Document Upload Log with an Upload Status of ‘Processing’ until the loan has been validated. After the loan has been
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November 2019 Freddie Mac Learning 25
Action Result/Notes
validated, the upload status will update as either Complete or Error.
NOTE Initially, the “Submitted By” and “Submitted Date” are populated on the Document Upload Log. The document/loan file status is populated after the uploaded document/loan file is reviewed and logged by Freddie Mac (typically within 48 hours).
Data Field Definitions
The following table describes data fields available on the Loan File Management tabs.
Field / Column Title Definition
1st File Request Date Date the loan file was first requested for review.
2nd File Request Date Date the loan file was subsequently requested for review.
Appeal Decision Freddie Mac’s decision in response to an appeal submitted by the Seller/Servicer:
• Deny Appeal / Uphold Remedy
• Rescind Appeal / Waive Remedy
Appeal Decision Reason Reason for an Appeal Decision.
Appeal Status Current status of the appeal request.
• 2nd Level Apl Dcsn Pending: Appeal decision is waiting for a second review.
• Appeal Dcsn Pending: Appeal decision has not yet been made.
• Closed: Appeal decision is complete.
• SS Apl Notification Pending: Appeal decision is pending publishing.
• Canceled: Appeal has been canceled by Freddie Mac. A decision will not be made on the appeal and the Remedy is upheld.
Associated Loan Number Number used to identify the file used to make the original decision on the mortgage. Also known as the ‘original loan file’.
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November 2019 Freddie Mac Learning 26
Field / Column Title Definition
Bifurcation Type An indicator as to whether the liability for the origination representations and warranties is split between two or more Seller/Servicers.
• FRE Settlement: As a result of a negotiated settlement, Freddie Mac has relieved the Seller/Servicer of most origination representations and warranties.
• FULL: The Seller is responsible for all origination representations and warranties as defined in the applicable Purchase Documents; Freddie Mac generally may not hold the Servicer responsible for a breach of these representations and warranties.
• NONE: There is no bifurcation.
• OPERATIONAL: The Seller is responsible for all origination representations and warranties as defined in the applicable Purchase Documents; Freddie Mac may hold the Servicer responsible for a breach of these representations and warranties if Freddie Mac suspends or terminates the Seller.
Customer Review Status Status of the review.
• File Receipt Pending: Full loan file has not yet been received.
• Pre-Underwriting: Loan file has been received. Loan file will be reviewed for completeness, will be imaged/indexed to Freddie Mac standard and re-verifications will be completed (if applicable) in preparation for underwriter review.
• Review in Progress: Loan file is pending review or actively being reviewed by underwriter.
• Remedy Receipt Pending: A repurchase request has been issued.
• Appeal Decision Pending: Appeal decision has not yet been made.
• Review Closed-Acceptable: Review has been closed and the loan file is acceptable.
• Review Closed-Not Acceptable: Review has been closed and the loan file is not acceptable.
• Review Cancelled: Review has been cancelled.
• Review Closed-Pending Reissue: Current review is being closed, but the request is being reissued for a different review reason.
• MI Appeal
• Status Pending
Date Appeal Received Date when Freddie Mac received the appeal from the Seller/Servicer for the Remedy request
Date Letter Published Date the appeal decision letter was published.
Date Ordered / Date Requested
Date the documents were requested by Freddie Mac.
Date Received Date the documents were received by Freddie Mac.
Date Submitted Date the specific document was uploaded for the loan.
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November 2019 Freddie Mac Learning 27
Field / Column Title Definition
Date Type The date type search filter. Once the type of search is selected, an applicable start and end date can be entered as search criteria. Options may include:
• 1st File Request Date
• 2nd File Request Date
• Appeal Received Date
• Date Appeal Received
• Date Due
• Date Letter Published
• Date Received
• Date Requested
• File Received Date
• File Request Due Date
• Review Close Date
Doc Code Code that identifies the request as either a missing (MD) or incomplete document (INC).
Doc Description Description of Incomplete Docs / Incomplete Docs Description
Category or type of the critical missing documents requested.
Description of Missing Docs Category or type of missing documents requested.
Doc Order # Numerical sequence of document(s) ordered.
Doc Order Status Current status of the request.
• Ordered: A request has been sent to the Seller/Servicer.
• Received: The requested document(s) was received from the Seller/Servicer.
• Received / Alt Docs Provided: An alternative to the requested document(s), which may or may not satisfy the request, was received from the Seller/Servicer.
• Rejected: The document(s) received from the Seller/Servicer did not satisfy the document requested by Freddie Mac.
• Cancelled: The request for this document was cancelled. The requested documentation is no longer needed.
Doc Type Doc Type – Identifier used to classify the uploaded document. Valid values include:
• Appeal
• Missing/Incomplete Documents
• Original Loan File
• Subject Loan File
Family # The unique identification number assigned to the Seller/Servicer family that is responsible for the mortgage.
Family Name Name of the Seller/Servicer corresponding to the assigned Family #.
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November 2019 Freddie Mac Learning 28
Field / Column Title Definition
File Order Status Current status of the request.
• Ordered: A file request has been sent to the Seller/Servicer.
• Overdue: The file requested has not been received by the due date.
• Received: The requested file was received from the Seller/Servicer.
• Cancelled: The request for this file was cancelled. The requested file is no longer needed.
File Request Due Date Date the loan file is due for delivery to Freddie Mac.
File Received Date Date Freddie Mac received the loan file requested for review.
FM # / FM Loan # The unique identification number assigned by Freddie Mac to the mortgage at delivery/funding.
Funding Date Date Freddie Mac disbursed payment to the Seller for the mortgage purchased by Freddie Mac.
Incomplete Docs Critical documentation required to begin the underwriting is missing.
Incomplete Docs Comments
Detailed description of the critical missing documents (if available).
Order from SSR # The unique Seller/Servicer number from which Freddie Mac ordered a loan file for review.
Order from SSR Name Name of Seller/Servicer from which Freddie Mac ordered a loan file for review.
Original Loan File The original credit qualifying file for the loan that is being refinanced.
Primary Appeal Basis Reason associated with the appeal submitted by the Seller/Servicer.
Primary Deficiency The primary defect of the mortgage.
Property Address Street address of the subject property.
R&W Family Name Name of the Seller/Servicer family that is providing representations and warranties for the mortgage.
R&W Family # The unique identification number assigned to the Seller/Servicer family that is providing representations and warranties for the mortgage.
Responsible Family Seller/Servicer family to which the remedy request was sent.
Responsible Family # The unique identification number assigned to the Seller/Servicer that is responsible for the representations and warranties for the mortgage.
Review Close Date Date the review was closed.
Review Type Type of review requested.
• PL: Performing
• NPL: Non-Performing
• CPL: Compliance
• CPL/PL: Dual Review for both Compliance and Performing
• CPL/NPL: Dual Review for both Compliance and Non- Performing
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November 2019 Freddie Mac Learning 29
Field / Column Title Definition
Sample Type Sample types within the Management Reporting function include the following:
• PL Base - Performing Loan Base
• PL Target - Performing Loan Target
• NPL – Non -Performing Loan
• CPL - Compliance
• Other
Seller # The unique identification number assigned to the Freddie Mac Seller.
Seller Loan # The number assigned by the Seller to identify the mortgage within the Seller’s system.
Seller Name Name of the Freddie Mac Seller.
Servicer # The unique identification number assigned to the Freddie Mac Servicer.
Servicer Loan # The number assigned by the current Servicer to identify the mortgage within the Servicer’s system.
Servicer Name Name of the Freddie Mac Servicer.
State State where the subject property is located.
Status Date Date the Doc Order Status or File Order Status changed.
Zip Code Zip/Postal Code of the subject property address.
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Remedy Management
Ch
ap
ter
3
Remedy Management provides a remedy dashboard and four tabs to view information on issued,
outstanding and closed repurchase or remedy requests: 1) Single Loan, 2) Pipeline, 3) Reports and 4)
Document Upload Log.
Remedy Dashboard
The remedy dashboard provides a quick visual breakdown of open remedies. The information includes a
summary view of open remedies with more detailed data available for each dashboard section selected.
The table below provides a description of the aging buckets of the outstanding remedies.
Field Description
Remedy Outstanding Total number of loans that have an outstanding remedy request.
Total Estimated Owed The sum of Estimated Owed for the loans that have an outstanding remedy
request.
Loans <= 60 Days Total number of loans that have an outstanding remedy request <= 60 days
past the repurchase letter date as calculated by “Data as of” date.
Loans 61 - 90 Days Total number of loans that have an outstanding remedy request 61 - 90 days
past the repurchase letter date as calculated by “Data as of” date.
Loans 91 - 120 Days Total number of loans that have an outstanding remedy request 91 - 120 days
past the repurchase letter date as calculated by “Data as of” date.
Loans 121 - 365 Days Total number of loans that have an outstanding remedy request over 121 -
365 past the repurchase letter date as calculated by “Data as of” date.’
Loans > 365 Days Total number of loans that have an outstanding remedy request >365 days
past the repurchase letter date as calculated by “Data as of” date.
Loans with Open
Appeals
Total number of loans that have an outstanding remedy request and an open
appeal.
Loans Agreed to
Repurchase
Total number of loans that have an outstanding remedy request with an
agreement to repurchase.
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November 2019 Freddie Mac Learning Page 2
Action Result / Notes
When entering Remedy
Management, you will see the
remedy dashboard. The
dashboard appears at the top
of each of the four tabs. in
The top of the dashboard
includes totals for the number
of outstanding remedies and
an estimated amount owed.
Below the totals the
information is broken down
further by ‘aging buckets’ of
the outstanding remedies.
The loan count totals, loan
count % and dollar amount for
the Total Estimated Owed are
based upon the filter criteria
you select.
Filter the remedy information
in the dashboard by clicking
FILTER BY. The screen
expands to display the filter
section. Options include
filtering by Remedy Source
and/or Current Remedy
Description. Select the radio
button next to the information
you want in the dashboard.
To view the loan details, click
the applicable blue hyperlink.
The symbol indicates you
can click on that badge to
access the loan-level detail in
each aging ‘bucket’.
ntains the following information (reflected in order of appeance
NOTE Other features/functionality available in Remedy Management:
You can export data by clicking Export To Excel. Refer
to Exporting Data for more information.
Columns of information can be sorted in ascending or
descending order by clicking the column title.
To sort by a different column, simply click on the
heading of the column you wish to sort.
Use the scroll bar at the bottom of the page to view all columns
of data.
Hover your cursor over a column heading to view a heading
title or to adjust the column width.
Refer to Chapter 1 - Introduction for information on other features/ and
functionality available in Quality Control Advisor.
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November 2019 Freddie Mac Learning Page 3
Action Result / Notes
View Loan Details
A pop-up displays the loan-
level details for the selected
loans.
The filter parameters you
selected will display in the
header portion.
To view the details of a
specific loan, double click
anywhere on the loan within
the row. The Loan Detail page
displays the data pertaining to
the specific loan.
Refer to the Additional
Features section for more
information on the Loan Detail
screen.
A new window displays
asking if you want to Open or
Save the Excel file.
Single Loan
The Single Loan tab provides repurchase or remedy information for a single loan.
Action Result / Notes
When entering Remedy
Management, you will be
taken to the Single Loan tab
on the Remedy Management
main page – the default
landing page.
Beneath the Single Loan tab
on the Remedy Management
page is a filter section.
To search for a single loan,
enter the FM #, Seller Loan #,
or Servicer Loan #, then click
Filter.
Click Reset to begin a new
search.
NOTE Quality Control Advisor data is refreshed daily. The effective
date of the data is noted in the upper right corner of the screen,
and typically has a 24- to 48-hour lag time.
Failure to enter a loan number
will result in a warning.
You can export data by clicking
Export to Excel from the top left
corner of the title bar.
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Action Result / Notes
The screen expands to display
the data pertaining to the
specific loan.
After a loan is located, there
are other options you can use
below the filter section,
including: Upload Documents
option, and a subset of tabs
which display loan specific
remedy data, appeal data,
Seller/Servicer data, loan
data, letter text and, if
applicable, a loss statement.
Available comments for the
specified loan will display in
the Comments tab at the
bottom of the screen. Users
with Remedy Management
Customer Write roles can also
add new comments and
update the Customer Status
History fields.
To upload documents, refer to
the Additional Features
section.
Remedy sub-tab: This is the
default view. This view
displays repurchase or
remedy data for a specific
loan.
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Action Result / Notes
Appeals sub-tab: To view
appeal data, including the
appeal history, for a specific
loan, select the Appeals sub-
tab.
Seller / Servicer (Slr/Svcr)
sub-tab: To view Seller /
Servicer data for a specific
loan, select the Slr/Svcr sub-
tab.
Loan sub-tab: To view loan
data for a specific loan, select
the Loan sub-tab.
Letter Text (Ltr) sub-tab: To
view letter text for a specific
loan, select the Ltr Text sub-
tab.
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Action Result / Notes
View Loss Statement sub-tab:
The View Loss Statement tab
appears if a Loss Statement is
available or was previously
ordered for the loan. To view
a Loss Statement or order
history for the loan, click the
View Loss Statement tab.
To export the Loss Statement
record history, click, Export to
Excel.
To download the Loss
Statement as a PDF, click
Download Loss Statement.
NOTE Only loans with an Order Status of “Completed” can be
downloaded.
A new window displays
asking if you want to Open or
Save the PDF file.
Pipeline
The Pipeline view displays loan-level details for repurchases and remedy requests. The level of data
provided is intended to facilitate a more detailed analysis and discussion of repurchases and remedy
requests.
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November 2019 Freddie Mac Learning Page 7
Action Result / Notes
To view a list of loans with
additional loan-level details
about repurchases and
remedy requests, select the
Pipeline tab on the Remedy
Management page. Loans
with a disposition of
Outstanding are displayed
by default.
Select your filter criteria
then click Filter.
A list of loans that meet
your specific criteria
displays at the bottom of
the screen.
If there are no search
results, the message “No
records found” displays.
Click Reset to begin a new
search.
Additional buttons are
available above the list of
filtered loan data to further
analyze the data, access
more details on the loan,
and/or upload documents.
Refer to the Additional
Features section for more
information.
Reports
The Reports tab provides the ability to view and download your month-end Remedy reports.
Action Result / Notes
To access the month-end
reports, select the Reports
tab on the Remedy
Management page.
From the Select Report
drop-down list, choose the
type of report you wish to
access. Only the reports that
are applicable to you will
appear in the drop-down
list. Options may include the
Month End Summary Report
and Month End Pipeline
Report.
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Action Result / Notes
A list of available reports
appears by date. The dates
are links to the applicable
report. Select a report date
link.
NOTE It may take a few
minutes to process
depending on the
size of the report.
A new window displays at
the bottom of your screen
asking if you want to Open,
Save, or Save and Open the
report.
Month End Summary
Report:
If available to you, the
Month End Summary Report
is provided in a PDF file
format and includes
information on the
following:
• Repurchases.
• Repurchase Alternatives.
• Servicing Notice of
Defect.
• Resolution & Estimated
Fees.
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November 2019 Freddie Mac Learning Page 9
Action Result / Notes
Month End Pipeline Report:
The Month End Pipeline
Report is provided in an
Excel file format and
includes the following three
tabs of information:
• Outstanding remedy
requests.
• Issued Remedy
Requests.
• Closed Remedy
Requests.
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Document Upload Log
The Document Upload Log tab provides a list of uploaded documents. Seller/Servicers can view basic
information about the uploaded document such as the document type, who uploaded the document, the
submission date and view the uploaded documents.
Action Result / Notes
To view a log of uploaded
documents, select the
Document Upload Log tab
on the Remedy
Management page.
Fields under the Document
Upload Log tab can be used
as filtering criteria to search
for an uploaded document
or group of documents.
Select your search criteria
and click Filter. To clear the
criteria, click Reset.
A list of uploaded
documents meeting your
specific search criteria
displays at the bottom of
the screen.
To view a document
uploaded via Quality
Control Advisor, click the
icon in the applicable loan
record. The View Doc pop
up window displays the
uploaded document.
Refer to the Additional
Features section for more
information on the View
Doc and Export to Excel
features.
For field definitions, refer to
the Data Field Definitions at
the end of this chapter.
NOTE If an associated Seller/Servicer uploads a document on your
behalf, you can see it in the Submitted By Company column.
NOTE Hover your cursor over a column heading to view a heading title
or to adjust the column width.
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Additional Features
The following functionality is available on the Basic and Detail Pipeline pages:
• Loan Detail
• Export to Excel
• Multi Loan Search
• Update Status
• Add Comments
• Letter Text
• Upload Documents
• Loss Statement
Loan Detail
Action Result / Notes
To view details of a
specific loan in a Remedy
Dashboard detail grid or
the Pipeline tab, double
click anywhere on the
loan within the row.
Example – From the Pipeline tab
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November 2019 Freddie Mac Learning Page 12
Action Result / Notes
The Loan Detail page
displays. The system
displays the data
pertaining to the specific
loan.
To view data, you can
navigate among the
Remedy Data, Appeal
Data, Seller/Servicer
Data, Loan Data, Letter
Text tabs and if
applicable, the Loss
Statement tab.
Users with Remedy
Management Customer
Write roles can add new
comments under the
Comments tab and
add/update the Customer
Status field.
Update the Customer
Status by selecting the
appropriate status in the
drop-down box.
The update will be
reflected immediately in
the Customer Status
History.
NOTE Users with Remedy Management Customer Write roles can add
new comments under the Comments tab and add/update the
Customer Status field.
Export to Excel
Action Result / Notes
To export data from the
Pipeline or Document
Upload Log tab, click,
Export to Excel.
Example from Pipeline tab:
A new window displays
asking if you want to
Open or Save the Excel
file.
Multi Loan Search
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Action Result / Notes
The Multi Loan Search
allows you to search for a
group of loans using loan
numbers. To search and
view results on a specific
group of loans, you can
either create an Excel
spreadsheet with the list of
loan numbers and upload or
enter loan numbers in the
Multi Loan Search list box.
You can use a list of
Freddie, Seller, or Servicer
Loan Numbers.
If using an Excel
spreadsheet, create the list
of loan numbers in the Excel
spreadsheet. Your list can
have as many loan numbers
as needed-and there are no
numbers in the header row
(row 1).
Save the file to your
desktop.
Click Multi Loan Search.
Action Result / Notes
A pop-up window will
display where you can
select a search type from
the drop-down list. The type
selected needs to match the
specific loan numbers you
entered in the spreadsheet
(Freddie Mac, Seller, or
Servicer Loan Number).
Once the type has been
selected from the drop-
down menu, click Browse
and find the Excel file on
your desktop. Select the
Excel file and click Search.
You may also use the list box. Enter the loan numbers in the search box, then click Search.
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Your results will display on
the Import Loan Number
List Results page. To return
to the previous screen, click
the back arrow symbol at
the top left of the screen.
Update Status
Action Result / Notes
To add/update the
Customer Status for
multiple loans from Pipeline
tab, click on each row
containing the loan you
wish to include for the
status change. Once all
desired loans are chosen,
click Update Status.
NOTE Only users with Remedy Management Customer Write roles
can update the customer status.
The Customer Change
Status pop-up box displays
where you can select from
the drop-down menu to
change the Customer
Status.
Click Save after the status is
selected.
The Customer Status can
also be updated in the
Remedy Data subtab via the
Loan Detail page.
NOTE Loan status is posted immediately and appears in real time.
Add Comments
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November 2019 Freddie Mac Learning Page 15
Action Result / Notes
To add comments to
multiple loans from
Pipeline tab, click on
each row containing
the loan you wish to
include for the
comment. Once all
desired loans are
chosen, click Add
Comments.
NOTE Only users with Remedy Management Customer Write roles
can add new comments.
The Add Comments
pop-up box will
display where you can
enter your comments.
Click Save Customer
Comment after the
comment is entered.
The update will be
reflected immediately
in the Comment
History section.
NOTE Both Seller/Servicer and Freddie Mac comments are posted
immediately and appear in real time.
Letter Text
Action Result / Notes
To access the letter text
from the Pipeline tab, click
on the loan to highlight it
and then click Letter Text.
You can select more than
one loan before clicking
Letter Text.
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Action Result / Notes
The Letter Text Results
displays. Click within the
row to highlight the loan
and display the full text in
the Letter Text Detail
section.
You can also place your
mouse cursor over the Most
Recent Letter Text field to
display the full letter text.
Upload Documents
The Upload Documents option allows you to securely send Freddie Mac loan files or documents through
Quality Control Advisor. One or more loan files or documents in a PDF file format may be uploaded at a
time. There are two ways to upload documents in Quality Control Advisor: Single Loan Upload and
Multi Loan Upload. All documents and files uploaded via Quality Control Advisor should:
▪ Be a single PDF (Portable Document Format) file
▪ Not exceed 100 MB or 1000 pages
▪ Not be password-protected or encrypted
▪ Have a file name of less than 100 characters
Single Loan Upload
The Single Loan Upload allows you to upload a loan file or document to a specific loan.
Step / Action Result / Notes
To upload documents for an
individual loan file from the
Pipeline tab, use the search
field to locate the loan.
1. Click anywhere on the
loan within the row to
highlight it and click
Upload Documents.
The Loan Detail page
displays with the selected
loan information.
NOTE You can also double-click on the loan.
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Step / Action Result / Notes
2. Click Upload Documents.
The Document Upload page
displays.
The following document
types may be uploaded one
at a time through this page
for the selected loan file:
• Loan File
• Document Requests
• Appeals
Data and prompts that
display are based on the
type of document you want
to upload.
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Step / Action Result / Notes
3. Select the type of
document you want to
upload.
Step 1: Select Upload Type
from the drop-down list.
Step 2: Upload Documents
Click in the dashed box to
browse for a file or drag
and drop files.
Example: Loan File
The following data displays when Loan File is selected:
Doc Type/Description Data Fields
Subject Loan File:
The file requested by Quality
Control for audit.
Data displayed includes: the file
request date (1st File Rqst Date, the
2nd File Rqst Date (if applicable), the
Due Date, Status Date and File Order
Status.
Original Loan File:
The previously approved full
credit file required for some
streamline refinance types. This
will be detailed on the sample
request if required.
Date Received and the Note Date.
4: Browse.
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Step / Action Result / Notes
5. Locate the .pdf file you
want to upload and click
Open.
6. The dashed box displays
the type of document
selected for upload.
To continue adding
documents, follow the same
process of choosing a file
until you have selected all
the files you plan to upload
at that time.
To remove a document
from the list, highlight the
document and click Cancel.
7. Once you have
completed adding or
removing documents, click
Upload.
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November 2019 Freddie Mac Learning Page 20
Step / Action Result / Notes
8. An information message
displays indicating the
documents uploaded. Click
OKAY.
To upload Document
Requests, repeat steps 2 to
8 above.
For Missing/Incomplete
Documents, select the type
of document(s) you wish to
upload from the drop-down
list.
Example – Document Requests
Doc Type Data Fields
Missing/Incomplete
Documents:
Documents that are
requested by QC when
reviewing the file.
Data displayed includes: The Doc Code,
Date Ordered, Doc Order Status, a
description of the documents, and if
applicable, additional comments.
• For Doc Order Status of “Ordered” or
“Rejected”, the checkboxes are enabled
for you to select the document(s) you
wish to upload.
• For Doc Order Status of “Received”,
“Received / Alt Docs Provided” and
“Canceled”, the checkboxes are
disabled.
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Step / Action Result / Notes
Appeals
Select Appeals as the
Upload Type.
To upload an Appeal
document, repeat steps 2 to
8 above.
A cover letter must
accompany an Appeal
submission.
Example: Appeals
NOTE You may upload Appeals to Quality Control Advisor or to the
Appeal Mailbox. Please do not send the appeal to both
locations.
You may upload an Appeal when the Customer Review Status is
Remedy Receipt Pending status ONLY.
If the status is Appeal Decision Pending, the following error
message pop-up will display: An appeal has already been
received and is pending review. If you have additional
information that should have been included with the existing
pending appeal, please contact your Remedy Underwriter.
For any status other than Remedy Receipt Pending or Appeal
Decision Pending, the following error message will display in
the Error column on the Document Upload Log: Appeal cannot
be uploaded because there is no open repurchase.
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November 2019 Freddie Mac Learning Page 22
Step / Action Result / Notes
View Comments
Comments display on the
Loan Detail screen below
the Document Upload
History section.
Your comments will have
the same document type as
the required document
uploaded and are titled as
follows: Doc Type:
• Subject Loan File
• Original Loan File
• Missing/Incomplete
Documents
• Appeal
NOTE A link to comments added is also provided in the Customer
Comments column of the Document Upload Log (see below).
To view a document
uploaded via Quality
Control Advisor, click the
Document Upload Log tab.
Click the icon in the
applicable loan record.
NOTE If an associated Seller/Servicer uploads a document on your
behalf, you can see it in the Submitted By Company column.
NOTE Hover your cursor over a column heading to view a heading title
or to adjust the column width.
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Step / Action Result / Notes
The View Doc pop up
displays.
Hover your cursor over the
top of the screen and
options to save, print,
expand/collapse the view or
view as a pdf doc will
display.
Click the X at the top of the
screen to exit out of the
document.
NOTE Loan files and documents uploaded via Quality Control
Advisor will be available to Seller/Servicers for viewing until
the loan review has been closed/cancelled.
NOTE User can only view documents associated with that
Seller/Servicer.
Multi Loan Upload
The Multi Loan Upload allows you to upload multiple Loan Files and Documents in multiple batches.
Each batch can consist up to 20 documents/loan files for multiple loan numbers at the same time. If you
have multiple batches, you can start a new batch after the previous batch has completed Quality Control
Advisor’s verification process.
This functionality also allows Quality Control Advisor users to upload files for any valid Freddie Mac
loan number, providing the ability of Sub-Servicers or original Sellers to upload loan files and
documents for the Seller/Servicers responsible for QC review.
Action Result / Notes
To upload
documents for
multiple loan
numbers at the
same time, click
the Upload
Documents
button from the
Pipeline tab
without
selecting a loan
number. The
Multi Loan
Upload Screen
displays.
NNOTE You may upload an Appeal when the Customer Review Status
is in Remedy Receipt Pending status ONLY
If the Customer Review Status is Appeal Decision Pending, the
following error message will display in the Error column on the
Document Upload Log: An appeal has already been received
and is pending review. If you have additional information that
should have been included with the existing pending appeal,
please contact your Remedy Underwriter.
For any Customer Review Status other than Remedy Receipt
Pending or Appeal Decision Pending, the following error
message will display in the Error column on the Document
Upload Log: Appeal cannot be uploaded because there is no
open repurchase.
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Action Result / Notes
Click on the
dashed box to
browse for files
or drag and
drop files into
the box.
NOTE Each file must be a single PDF and not exceed 100MB.
Loan files and documents must follow strict naming conventions.
The file name must meet the following specifications:
▪ Begin with the Freddie Mac Loan Number,
▪ Followed by an underscore, and
▪ End with one of the following Doc Type designations:
Subject Loan File: LN
Original Loan File: OLF
Missing Docs/Incomplete Docs: MD_INC
Appeals: APL
One Upload per Loan # Example:
▪ 123456789_LN
▪ 987654321_MD_INC
When uploading multiple documents with the same Doc Type
designation for the same loan, you must add a sequence number to
the file name.
Multiple Uploads per Loan # Example:
▪ 123456789_MD_INC 1
▪ 123456789_MD_INC 2
▪ 123456789_MD_INC 3
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Action Result / Notes
After selecting
the files for
upload, click
Upload.
Once the
document
upload process
begins, Quality
Control Advisor
verifies and
uploads the
files.
NOTE If you need to delete a file from the list before uploading, click
Cancel”.
Action Result / Notes
After the upload is
complete, a pop-up
message will
display advising
you to validate the
upload via the
Document Upload
Log.
The uploaded
batches are
assigned a Batch
Number.
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November 2019 Freddie Mac Learning Page 26
Action Result / Notes
To validate the
upload results or
access later, click
the Document
Upload Log tab.
NOTE Initially, the “Submitted By” and “Submitted Date” are
populated on the Document Upload Log. The document/loan
file status is populated after the uploaded document/loan file
is reviewed and logged by Freddie Mac (typically within 48
hours).
Order Loss Statement
Action Result / Notes
To order a Loss
Statement, use the
search field to
locate the loan for
which you wish to
order a Loss
Statement. Click
anywhere on the
loan within the
row to highlight it
and click Loss
Statement.
You can also
double click on the
loan and click Loss
Statement from
the Loan Detail
page.
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November 2019 Freddie Mac Learning Page 27
Action Result / Notes
A Loss Statement
pop-up window
displays. Click
Order or Cancel as
applicable.
A new Agree to
Repurchase pop-
up window
displays. Click Yes
or No as
applicable.
NOTE If “Yes” is selected, the following message displays: “Your
Loss Statement request has been received.”
If “No” is selected, the following message displays: “Please
contact your Remedy Representative for further assistance.”
The View Loss
Statement sub-tab
appears under the
Single Loan tab after a
Loss Statement request
has been made. You can
view the history of the
request on the screen,
export the history of the
request with the Export
to Excel button, or
download the Loss
Statement with the
Download Loss
Statement button.
NOTE: Only loans with an Order Status of “Completed” can be
downloaded.
Data Field Definitions
The following table describes data fields available on the Remedy Management tabs.
Field / Column Title Definition
Aging Bucket Predetermined filter criteria displaying the number of days the repurchase is
outstanding.
Agrees to Repurchase Seller/Servicer’s agreement to repurchase the mortgage.
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November 2019 Freddie Mac Learning Page 28
Field / Column Title Definition
Appeals An indicator as to whether or not the Seller/Servicer provided information to
refute a Remedy request.
Appeals Count Number of the appeals received on a remedy.
Current Remedy
Alternative Amount
Amount offered by Freddie Mac in lieu of a repurchase.
Current Remedy
Alternative Offered Date
Date the Alternative was offered.
Current Remedy
Description
Description of the Remedy offered by Freddie Mac. Valid values are:
• Repurchase
• Indemnification with Shared Loss
• Shared Loss
• MI Stand-In Alternative Payment
• MI Stand-In Indemnification
• MI Orig Settlement
• PL Alternative
• Recourse
• RR Curtailment
• Servicing Repurchase
• Servicing Indemnification
• Servicing Repurchase Alternative
• Servicing Notice of Defect
Customer Status Seller/Servicer defined status of the Remedy request. Seller/Servicer can
choose:
• Repurchase/Alternative Letter Received: Seller/Servicer received Remedy
request, i.e. repurchase/alternative letter; review in progress.
• Repurchase/Alternative Letter Not Received: Seller/Servicer did not
receive Remedy request, i.e. repurchase/alternative letter.
• Agree to Repurchase: Seller/Servicer’s agreement to repurchase the loan.
• Funds Remitted: Seller/Servicer remitted repurchase/make whole or
alternative funds.
• Appeal Submitted: Seller/Servicer submitted an appeal to refute the
Remedy request.
• Appeal Denial Received: Seller/Servicer received Appeal Denial letter;
review in progress.
• Impasse: Loan identified by Seller/Servicer as Impasse and/or Impasse
loan being discussed with Freddie Mac QC Impasse team.
Customer Status History Historical view of the Customer Status.
Date Agree to Repurchase Date Seller/Servicer agrees to repurchase the mortgage.
Date Last Denial Date when the last appeal denial decision was made.
Days Outstanding Number of days since the remedy letter was issued.
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November 2019 Freddie Mac Learning Page 29
Field / Column Title Definition
Days Until Due Date Number of days until the Remedy is due.
Disposition • Current status of the repurchase.
• Outstanding: Any repurchases currently outstanding.
• Issued: Any issued repurchases.
• Closed: Any closed repurchases.
Doc Type Doc Type – Identifier used to classify the uploaded document. Valid values
include:
• Appeal
• Missing/Incomplete Documents
• Original Loan File
• Subject Loan File
Due Date Date the requested documents are due.
Estimated Total Owed Estimated amount of losses outstanding on the mortgage.
FM # / Loan # The unique identification number assigned by Freddie Mac to the mortgage at
delivery/funding.
Failure to Comply An escalation letter sent due to expired Alternative to repurchase period.
Funding Date Date Freddie Mac disbursed payment to the Seller for the mortgage
purchased by Freddie Mac.
Impasse / Impasse Review Freddie Mac status of Impasse:
• Impasse Lender ID: Seller/Servicer identified the loan as Impasse.
• Impasse Discussion: Impasse loan is being discussed with Freddie Mac
QC Impasse team.
Lender Channel An indicator as to whether or not the loan was originated by a third party.
Master Commitment
(referred to in the Guide
as Pricing Identifier)
Refers to the unique identification number assigned to the Master
Commitment (referred to in the Guide as Pricing Identifier) that is the
agreement between Freddie Mac and the Seller providing the terms under
which Freddie Mac purchases eligible mortgages over a fixed period of time.
MI Only Remedies where the only deficiencies are related to Mortgage Insurance (MI).
Month End Pipeline
Report
A report that enables you to have a centralized way to manage your remedy
data.
Month End Summary
Report
This report is provided in a PDF file format and includes information on the
following:
• Repurchases
• Repurchase Alternatives
• Servicing Notice of Defect(s)
• Resolution & Estimated Fees
Mortgage Status Description of the current mortgage status.
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November 2019 Freddie Mac Learning Page 30
Field / Column Title Definition
Open Appeal An indicator as to whether or not a decision is pending review by Freddie Mac
on an appeal submitted by the Seller/Servicer.
Payoff Type Type of mortgage payoff.
Primary Deficiency The primary defect of the mortgage.
Remedy Close Reason Reason the remedy request was closed by Freddie Mac.
Remedy Letter Date Date the remedy letter was issued to the Seller/Servicer.
Remedy Representative The assigned Freddie Mac Remedy Management employee.
Remedy Source Originating source of the Remedy.
• Quality Control UW: Remedy originated in the Quality Control
Underwriting department and is related to an origination defect.
• Servicing Remedy Mgmt: Remedy originated in the Servicing Remedy
Management department and is related to a servicing defect.
Remedy Type Remedy types within the Management Reporting function include the
following:
• Notice of Defect
• Alternative (Origination)
• Alternative (Servicing)
• Repurchase (Origination)
• Repurchase (Servicing)
Repurchase Completed
Date
Date a repurchase was closed by Freddie Mac.
Sample Type Sample types within the Management Reporting function include the
following:
• PL Base - Performing Loan Base
• PL Target - Performing Loan Target
• NPL – Non-Performing Loan
• CPL - Compliance
• Other
Seller Loan # The number assigned by the Seller to identify the mortgage within the Seller’s
system.
Servicer Loan # The number assigned by the current Servicer to identify the mortgage within
the Servicer’s system.
Servicing Notice of Defect Servicing Remedy Management letter for notice of defect that provides
Servicer with 90 days to cure before issuance of Remedy letter.
Servicing Repurchase
Alternative
Indicates if the remedy was an alternative offered by Servicing Remedy
Management in lieu of a repurchase.
UPB Unpaid Principal Balance of the mortgage.
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November 2019 Freddie Mac Learning Page 31
November 2019 Freddie Mac Learning Page 1
Management Reporting
Ch
ap
ter
4
The Management Reporting function allows you to:
• Analyze QC data using both current and historical data, monitor key QC metrics and analyze trends to
help you identify and correct possible loan manufacturing process deficiencies.
• Create customizable dashboards to access and manage reports reflecting data on QC samples, loan
file deficiencies, and file review pipelines.
Generate flexible reports
for further analysis or
distribution within your
organization.Action
Result / Note
When entering
Management Reporting
you will be taken to the
main dashboard page -
the default landing page.
At the top of the
dashboard is the Retrieve
My Historical Data
button, followed by six
tabs:
• Sample and Loan
Delivery
• Review Results
• Deficiency Results
• Missing Documents
• Appeals
• Peer Comparison
The contents and
functionality of each of
these sections are
described below.
Refer to Chapter 1 -
Introduction for
information on other
features/functionality
available in Quality
Control Advisor.
NOTE:
• Click to access loan-level detail.
• Click to view loan-level details.
• You can export data by clicking Export to Excel. Refer to
Exporting Data for more information. Columns of
information can be sorted in ascending or descending order
by clicking the column title.
• To sort by a different column, simply click on the heading
of the column you with to sort.
Use the scroll bar at the bottom of the page to view all
columns of data.
Hover your cursor over a column heading to view a heading
title or to adjust the column width.
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Retrieve My Historical Data
The Retrieve My Historical Data function allows you to download all of your data to analyze outside of
Quality Control Advisor®.
Action Result / Notes
QC and remedy data that is
currently available in
Quality Control Advisor
from January 1, 2017, can
be downloaded with the
Retrieve My Historical Data
function. All outstanding
loan file management and
remedy management
requests are included in the
download.
To download your Quality
Control Advisor data, click
Retrieve My Historical Data.
The Retrieve My Historical
Data pop up box displays.
Filter the data you want
exported.
A new window displays,
asking if you want to Open
or Save the Excel file. Click
the dropdown arrow, then
select Save as.
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November 2019 Freddie Mac Learning Page 3
Action Result / Notes
The Save As pop-up
window displays. Select a
location to save the file, and
enter a file name.
Click Save.
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November 2019 Freddie Mac Learning Page 4
Sample and Loan Delivery
The Sample and Loan Delivery tab provides current statistics for File Delivery Timeline and Initial Complete
Loan File Submission Rate. It also provides information on the Current Status of Reviews Pending and
Sample Trending.
Action Result / Notes
Filters
Use the Filters located at
the top of the Sample and
Loan Delivery tab to
customize the information
returned in the following
charts and associated loan
detail reports:
• File Delivery Timeline
• Initial Complete Loan
File Submission Rate
• Current Status of
Reviews Pending
• Sample Trending
These filters allow you to
query specific loans based
on a date range and/or
sample type.
Historical data is available
from as far back as
January 1, 2017.
To customize the information returned, select one or more filter criteria and
click Filter. The following filter criteria are available:
File Delivery Timeline
Displays the average
number of calendar days
over the previous
completed 12-month period
(or the timeframe you
specify) from file request to
Freddie Mac file receipt.
Only Origination data is
included in the average (no
servicing data).
Click the symbol to
access loan-level detail.
A pop-up window displays
the loan-level details
associated with File
Delivery Timeline.
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Action Result / Notes
Initial Complete Loan File
Submission Rate
Displays the percentage of
loan file requests over the
previous completed 12-
month period (or the
timeframe you specify) that
were delivered as complete
loan files with no missing
and/or incomplete
documents. Only
Origination data is included
in the percentage (no
servicing data).
Current Status of Reviews
Pending*
The Current Status of
Reviews Pending* chart
provides a view of your QC
pipeline based on the status
of the review from File
Receipt Pending to Remedy
Outstanding with Appeal.
The chart displays the
current status by loan count
of all of your outstanding
loans within the QC review
process. Only Origination
data (no servicing data) is
included in the Current
Status of Reviews Pending.
If there is no data available
‘No Data Available’ will
display.
To view the loan-level
detail, click View Details.
The loan review statuses include the following:
• File Receipt Pending: Complete loan file not received.
• Pre-underwriting: Loan file received, reviewed for initial completeness,
imaged/indexed, and reverifications obtained.
• Loan Review in progress: Loan file is in Underwriting.
• Remedy Outstanding: Loan deemed unacceptable. Remedy requested
but not yet received.
• Remedy Outstanding w/ Appeal: Loan deemed unacceptable and
Remedy requested. Appeal received and currently being processed.
Remedy not yet received.
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Action Result / Notes
A pop-up window displays
the loan-level details
associated with the Current
Status of Reviews Pending.
You can further filter the
data by clicking the Review
Status field and selecting a
value from the pop-up
window. All Values is the
default.
Sample Trending
The Sample Trending chart
provides details regarding
the total count of loan file
requests by sample type.
The trend lines in this chart
display the monthly number
of loan file requests by
sample type for the
previous completed 12-
month period (or for the
time period specified if
using filter criteria).
If the loan count is zero for
a sample type, the trend
line will not appear,
however, sample type will
appear in the chart legend.
Only Origination data (no
servicing data) is included
in Sample Trending.
If, based on the selected
filters, there is no data
available for all the sample
types, ‘No Data Available’
will display.
To view the loan-level
details, click View Details.
To customize the information returned, select one or more filter criteria and
click Submit. The following filter criteria are available:
• Date Range - use the calendar icons ( ) to select a new start and end
month/year.
• Sample Type - select a Sample Type value by clicking the Sample Type
field. A pop-up window displays. Select one or more sample type values
– CPL, NPL, Other, PL Base and/or PL Target. Click OK.
You can clear the filters by clicking Reset.
NOTE: Two or more months must be selected in order to form a trend line.
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Action Result / Notes
A pop-up window displays
the loan-level details
associated with the Sample
Trending chart.
Click the Sample Type field
to further filter the data by
the type of sample. In the
pop-up window, select from
CPL, NPL, Other, PL Base,
and PL Target. All Values is
the default.
Review Results
The Review Results tab provides current statistics for PL Key Data Accuracy Rate, PL Review Timeline,
Current Outstanding Remedies and a Summary of QC loan reviews (In Progress, Accepted Reviews, and
Remedies).
Action Result / Notes
Filters
Use Filters to customize the
information returned in the
following charts and
associated loan detail
reports:
• PL Key Data Accuracy
Rate
• PL Review Timeline
• Current Outstanding
Remedies
• Summary
The filters allow you to
query specific loans based
on a date range and / or
sample type
Historical data is available
from as far back as January
1, 2017.
To customize the information returned, select one or more filter criteria and
click Filter. The following filter criteria are available:
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November 2019 Freddie Mac Learning Page 8
Action Result / Notes
PL Key Data Accuracy Rate
Displays the percentage of
decisioned Performing Loan
(PL) reviews over the
previous completed 12-
month period (or the
timeframe you specify)
where the LTV, TLTV and
DTI were successfully
validated by Freddie Mac.
Only Origination data (no
servicing data) is included
in the percentage.
Click the symbol to
access loan-level detail.
A pop-up window displays
the accuracy percentage for
specific key data elements.
PL Review Timeline
Displays the average
number of calendar days
over the previous
completed 12-month period
(or the timeframe you
specify) for Freddie Mac to
complete a QC Performing
Loan review. Only
Origination data (no
servicing data) is included
in the average.
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November 2019 Freddie Mac Learning Page 9
Action Result / Notes
Current Outstanding
Remedies
Displays the current status
of all outstanding remedies.
Remedy types are displayed
by aging buckets. Both
Origination and Servicing
remedies are included in
chart.
If there is no data available,
‘No Data Available’ will
display.
To view the loan-level
detail, click View Details.
The remedy type categories include the following:
• Notice of Defect
• Alternative (Origination)
• Alternative (Servicing)
• Repurchase (Origination)
• Repurchase (Servicing)
The aging bucket categories include the following:
• 30 or less days
• 31 – 60 days
• 61 – 90 days
• 91 – 120 days
• 121 – 365 days
• Greater than 365 days
A pop-up window displays
the loan-level details
associated with the
Deficiency Category.
The data can be further
filtered by clicking the
Aging Buckets field and
selecting values from the
pop-up window.
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Action Result / Notes
Summary
Results of the filter criteria
you select display in the
Summary section:
• A Reviews box appears at
the top. A total count
number hyperlink, based
on the selected filters, is
underneath the title.
• Three QC loan review
summary subcategories
display under the Reviews
box (In Progress,
Accepted Reviews and
Remedies).
• Each summary provides a
breakdown by % and loan
count hyperlink.
• Each loan count
hyperlinks to loan-level
details for that particular
item.
Loan Level Detail
To view the loan-level
details for ALL loans in the
Summary, click the total
loan count hyperlink for
Reviews, or
click View Details.
The Reviews are broken into three summary subcategories:
1. In-Progress - Summary contains the following sub-levels:
o File Receipt Pending - Full loan file has not yet been received.
o Pre-Underwriting - Loan file has been received.
o Loan Review In Progress - Loan file is pending review or actively
being reviewed by an underwriter.
When ‘Reviewed Closed Date’ is selected as the Date Type filter, the
message ‘In Progress reviews are not available when ‘Review Closed Date’
is selected in the ‘Date Type’ filter. Please select ‘Funding Date’ in the ‘Date
Type’ filter to view loan reviews in progress.’ displays, indicating the
selection is not available.
2. Accepted Reviews - Summary contains the following sub-levels:
o Accept - Loans where Freddie Mac’s underwriting decision was in
agreement with the Seller’s underwriting decision, or
o Rescinded Remedies - Loans where the remedy was rescinded.
If, based on the selected filters, there are no records for both the above sub-
levels the message “No results found for the selected filters” will display.
3. Remedies summary contains the following sub-levels:
o Remedy Outstanding
o Remedy Outstanding with Appeal
o Alternatives - Closed remedies with an alternative.
o Repurchased - Closed remedies that were repurchased.
o Other - Closed remedies that are not remedy alternatives or
repurchased loans.
If, based on selected filters, there are no records for all of the above sub-
levels, the message “No results found for the selected filters” will display.
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November 2019 Freddie Mac Learning Page 11
Deficiency Results
The Deficiency Results tab provides data about loans with one or more significant defects that resulted in
Freddie Mac requesting a remedy. It also provides data on findings discovered during the review process that
do not require action.
This tab includes two sub-tabs that display charts tracking deficiencies and findings:
Deficiencies tab:
▪ The Top 5 Deficiencies Resulting in Remedy
▪ Deficiency Category for Deficiencies Resulting in Remedy
▪ Deficiency Trending
▪ Deficiency Category Trending for Deficiencies Resulting in Remedy
Findings tab:
▪ The Top 5 Findings, and
▪ Findings Trending
Action Result / Notes
Deficiencies tab
The charts in the
Deficiencies tab on the
Deficiencies Results screen
contain data for loans that
have one or more
significant defects that
resulted in Freddie Mac
requesting remedy for a
loan.
Note: If there is no data
available, based on the
selected filters, ‘No Data
Available’ will display for
the chart.
If a significant defect was
cured (resolved), the defect
is included in the
“Accepted/Cured” portion
of the Deficiency Trending
chart and not in any of the
other deficiency charts.
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Action Result / Notes
Filters
You may use the Filters
located at the top of the
Deficiency Results screen to
query by both funding and
review closed dates, as well
as search for loans by
sample type (CPL, NPL,
Other, PL Base, PL Target).
Top 5 Deficiencies Resulting
in Remedy
This chart, located in the
upper left portion of the
screen, includes the most
frequently cited deficiencies
found during the QC loan
review process.
The list contains data from
“closed” reviews only. The
date criteria you select
adjusts the loan population
by selecting either the
review closed date or
funding date.
If, based on the selected
filters, there is no data
available, ‘No Data
Available’ will display.
To view the loan-level
detail, click View Details.
Only origination data (no servicing data) is included, and loan reviews with
a pending decision will not be included in this chart.
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November 2019 Freddie Mac Learning Page 13
Action Result / Notes
Aa pop-up window displays
the loan-level details
associated with the Top 5
Deficiencies Resulting in
Remedy.
The data can be further
filtered by selecting
different values from the
Deficiency Category fields.
Deficiency Trending
This chart, located to the
right of the Top 5
Deficiencies chart, contains
information for “closed”
reviews only. Loans with
multiple deficiencies will
appear multiple times.
The trend lines reflect your
organization’s total number
of deficiencies for closed
reviews over the previous
12-month period (or for the
time period specified if
using filter criteria).
If, based on the selected
filters, there is no data
available, ‘No Data
Available’ will display.
To view the loan-level
detail, click View Details.
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Action Result / Notes
A pop-up window displays
the loan-level details
associated with the
Deficiency Trending chart.
The data can be further
filtered by selecting
different values from the
Deficiency Status and/or
Deficiency Category fields.
The deficiency statuses include the following:
• Accepted/Cured: Specific deficiency found to be satisfactory upon
appeal or re-review.
• Deficiencies Resulting in Remedy: Specific deficiency remains
outstanding.
The Deficiency Categories include the following:
• Anti-predatory Lending
• Assets
• Collateral
• Credit
• Eligibility
• Income/Employment
• Legal/Insurance
• Liabilities
• Other
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Action Result / Notes
Deficiency Category for
Deficiencies Resulting in
Remedy
Displays the breakdown of
deficiencies resulting in
Remedy by deficiency
category for closed reviews
over the previous
completed 12-month period
(or for the time period
specified if using filter
criteria). Use the filters to
change the date type, time
period and/or sample type.
The number of deficiencies
resulting in Remedy appear
within the bar for each
deficiency category.
Categories with no
deficiencies are represented
with a “0” count. The
categories are listed from
the most frequent to least
frequent deficiencies. Only
Origination data (no
servicing data) is included;
and based on closed review
only (no open appeals).
To view detail on the
deficiency categories, click
on the bars within the chart.
To view the loan-level
detail, click View Details.
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Action Result / Notes
Deficiency Detail:
After clicking on a bar
within the chart, a pop-up
window displays details on
that selected deficiency. The
deficiency is further broken
down into specific
deficiencies within a
deficiency category, with a
count provided.
Deficiency Descriptions
provide an abbreviated
explanation of the type of
deficiency found in the loan
file.
The data can be further
filtered by selecting
different value from the
Sample Type field, and/or a
different category from
Category drop-down list.
View Details button:
After clicking View Details,
a pop-up window displays
the loan-level details
associated with the
Deficiency Category for
Deficiencies Resulting in
Remedy chart.
The data can be further
filtered by selecting
different values from the
Deficiency Category fields.
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Action Result / Notes
Deficiency Category
Trending for Deficiencies
Resulting in Remedy
The chart located at the
bottom right of the page
provides trend lines that
display the number of
deficiencies resulting in
Remedy by deficiency
category for closed reviews
over the previous
completed 12-month period
(or for the time period
specified if using filter
criteria).
Click the Deficiency
Categories checkboxes to
add or remove categories.
You can also use the filters
to change the date type,
time period and/or sample
type.
Only Origination data (no
servicing data) is included;
and based on closed review
only (no open appeals).
.
The top three deficiency categories appear as the default to the right of the
chart.
NOTE: Two or more months must be selected in order to form a trend line.
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Action Result / Notes
Findings tab
The Findings tab displays
information for loans that
had one or more findings
discovered during the QC
loan review. The findings
can be filtered by dates
beginning January 2017.
The Findings Tab includes:
• A chart displaying the top
five findings within your
search parameters, and
• A chart reflecting your
organization’s total
number of findings over
time based on the search
parameters provided.
These charts may be sorted
by either the funding date
of the loan, the review
closed date (when Freddie
Mac QC completed the
review), or the sample type.
Loans with multiple
findings will appear
multiple times.
Data will not be included if
the loan decision is still
“pending”.
To view the loan-level
details, click View Details. A
pop-up window displays the
loan-level details associated
with the Top 5 Findings or
Findings Trending. Loans
may appear in multiple
rows if more than one
finding is found during the
review.
Findings are minor underwriting defects that do not require any action by
the Seller/Servicer. Although Freddie Mac does not request remedy, you
can use the data provided to identify areas for improvement within your
origination processes.
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Missing Documents
The Missing Documents tab provides information to help you manage your missing documents process.
Action Result / Notes
Filters
Use the Filters located in
the upper portion of the
Missing Documents screen
to customize the
information returned in the
following charts and
associated loan detail
reports:
• Missing Document Rate
• Current Missing
Document Status
• Missing Document
Response Timeline
• Top 10 Missing
Documents
• Missing Documents
Trending
To customize the information returned, select one or more filter criteria and
click Submit. The following filter criteria are available:
Missing Document Rate
Displays the percentage of
12 months of loan file
requests that contained one
or more missing
documents. The 12-month
timeframe (or the
timeframe you specify) uses
the ‘Review Closed Date’,
and only contains data for
completed calendar
months.
• Includes missing documents that are still outstanding, as well as those
missing documents that were requested and eventually received.
• The rate does not include Incomplete Documents or Incomplete File
Requests.
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Action Result / Notes
Current Missing Document
Status
Displays the number of
outstanding missing
document requests,
categorized by due date, for
QC loan reviews that are in
progress. Includes the
amount of time left to
respond to the missing
document.
To view more detail on ALL
the loans in the Current
Missing Document Status
chart, click View Details.
The chart displays the number of outstanding missing documents, based
on four aging buckets:
• Overdue
• Due within 5 days
• Due within 6-10 days
• Due within 11-14 days
Loans with multiple missing document requests will appear multiple times.
Missing Document
Response Timeline
Displays the length of time
taken to respond to a
missing document request,
categorized by days. This
includes missing document
requests for all decisioned
QC loan reviews.
Use the Filters located at
the top of the section to
adjust the loan population
using ‘Review Close Date’
or ‘Funding Date’. date type,
month/year start and end
dates and sample type (CPL,
NPL, Other, PL Base, PL
Target).
NOTE: • The chart includes both missing documents that were
resolved, as well as outstanding missing document
requests.
• Decisioned loans with multiple missing document requests
will appear multiple times.
• Once a loan decision becomes Remedy Receipt Pending, it
will no longer appear in this chart.
To view more detail on the loans in a specific aging bucket, click on the loan number hyperlink.
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Action Result / Notes
Top 10 Missing Documents
Displays the top 10 most
frequently requested
missing documents. It
includes both missing
documents that were
resolved, as well as
outstanding missing
document requests.
Use the Filters located at
the top of the section to
adjust the time period
specified using “Review
Close Date” or “Funding
Date” date type, month/year
start and end dates and
sample type (CPL, NPL,
Other, PL Base, PL Target).
If, based on the selected
filters, there is no data
available, “No Data
Available"’ will display.
NOTE: Only origination data (no servicing data) is included in the chart;
and information is based on closed reviews only (no pending
review decision).
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Action Result / Notes
Missing Documents
Trending
Displays the trend of
missing document volume.
This includes both missing
documents that were
resolved, as well as
outstanding missing
document requests.
Use the Filters located at
the top of the section to
adjust the time period
specified and/or loan
population using “Review
Close Date” or “Funding
Date.” date type,
month/year start and end
dates and sample type (CPL,
NPL, Other, PL Base, PL
Target).
NOTE: • The date type selected displays on the chart.
• Two or more months must be selected in order to form a trend
line.
Appeals
The Appeals tab provides detailed information on your QC Appeals, including an Initial Appeal Timeline,
Appeals Trending and Appeal Activity.
Action Result / Notes
Appeal Submission rate
Displays the percentage of
remedy requests that were
appealed. It includes the
initial appeal only. The
indicator is based on 12
completed months’ worth of
data based on the date of
the remedy decision.
Appeal Accept Rate
Displays the percentage of
appeals that resulted in a
rescission of the remedy
request. It includes all
appeal requests. This
indicator is based on 12
completed months’ worth of
data based on the Appeal
Submission Rate.
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Action Result / Notes
Appeal Decision Timeline
Displays the average
number of calendar days for
Freddie Mac to review the
most recent completed
remedy appeal for the latest
QC review of the loan. This
indicator is based on a
rolling three completed
months’ worth of data and
includes origination data
only (no servicing data).
Initial Appeal Submission
Timeline
Displays the amount of time
left to respond to a remedy
request by submitting an
appeal. The timeline
includes initial appeal
submissions only and is
based on origination data
(no servicing data).
NOTE: The timeline is based on the number of days from date of the
Remedy decision.
Appeal Trending Chart
Displays the 12-month trend
of appeal submissions on
decisioned loan reviews, by
appeal submission date.
To view the loan-level detail,
click View Details.
NOTE: • Multiple appeal requests for the same loan will appear
multiple times.
• Only origination data (no servicing data) is included in the
chart.
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Action Result / Notes
A pop-up window displays
the loan-level details
associated with the Appeal
Trending chart.
When Appeals (the default)
is selected:
• Data is displayed by each
appeal for a specific loan.
• The most recent Appeal
appears at the top of the
list for records with
multiple Appeals per loan
number.
• To view deficiency
details, scroll to the
Number of Deficiencies
column and click on the
hyperlink.
When Deficiencies is
selected:
• Data is displayed by each
deficiency for a loan.
• To view deficiency
details, scroll to the
Number of Appeals
column and click on the
hyperlink.
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Action Result / Notes
Appeal Activity Chart
A 12-month trend chart of all
appeal requests for
decisioned loan reviews,
including those appeals
currently under review.
If, based on the selected
filters, there is no data
available, “No Data
Available” will display.
NOTE: • Multiple appeal requests for the same loan will appear
multiple times.
• Only origination data (no servicing data) is included in the
chart.
Peer Comparison
The Peer Comparison tab provides quality control review statistics that compare your organization to other
organizations. The statistics presented include File Delivery Time, Initial Complete Loan File Submission Rate,
Missing Document Rate, and Top 5 Deficiencies, Resulting in Remedy for performing and non-performing
loans. Information is available by organization size:
• National – Typically the largest Seller/Servicers at Freddie Mac.
• Regional – Typically mid-sized Seller/Servicers at Freddie Mac.
• Community – Typically smaller Seller/Servicers at Freddie Mac.
NOTE: The peer comparison results reflect all Freddie Mac Seller/Servicer data, including your organization’s
data.
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Action Result / Notes
File Delivery Timeline
Displays the average
number of calendar days
over the previous
completed three-month
period from file request to
Freddie Mac file receipt.
Only Origination data (no
servicing data) is included
in the average.
Initial Complete Loan File
Submission Rate
Displays the percentage of
loan file requests over the
previous completed 12-
month period that were
delivered as complete loan
files with no missing and/or
incomplete documents.
Only Origination data (no
servicing data) is included
in the percentage.
Missing Document Rate
Displays the percentage of
loan file requests that
contained one or more
missing documents over
the previous completed 12-
month period. The rate
includes missing
documents that are still
outstanding, as well as
those missing documents
that were requested and
eventually received. The
rate does not include
Incomplete Documents or
Incomplete Loan File
Requests. Only Origination
data (no servicing data is
included in the percentage).
NOTE: Use the Filters located in the middle portion of the Peer
Comparison screen to customize the information returned in the
Top 5 Deficiencies Resulting in Remedy chart.
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Action Result / Notes
Top 5 Deficiencies
Resulting in Remedy
Displays the top 5 most
frequently cited deficiencies
resulting in remedy for
completed loan reviews.
Your organization is
represented on the left, and
other organizations are
represented on the right.
The chart includes
deficiencies cited for
performing loans and non-
performing loans
combined.
The default view is all
Freddie Mac
Seller/Servicers. The data
can be further filtered by
clicking the drop-down list
and selecting another type
of organization.
Exporting Data
The Export File button allows you to export data for a specific section in Excel format based on the criteria
selected. This file format will export your data to be opened in Microsoft Excel.
Action Result / Notes
You can export loan data
within the View Details
screens whenever the
Export File button is
present.
Filter criteria and
parameters that display in
the header portion of the
View Details screen will also
display in the header of the
Export file.
To begin the export, click
the Export File button.
NOTE: Results for all the loan data within a section will export unless
you use filter criteria to narrow the displayed list of loans prior
to selecting the Export File button.
A new window displays
asking if you want to Open
or Save the Excel file.
Click the dropdown arrow,
then select Save as.
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Action Result / Notes
Enter a file name in the
Save As pop-up window
and click Save.
NOTE: The data may take
up to a few minutes to
export. While the data is
being exported, Quality
Control Advisor is not
available. If you attempt to
use Quality Control Advisor,
it may result in a webpage
error and an unsuccessful
export.
Excel Report Example
The filter criteria and
parameters that display in
the header portion of the
View Detail screens will
display in the header of the
Export file.
Data Field Definitions
The following table describes select data fields available in Management Reporting screens.
Field / Column Title Definition
Affordable Housing Flag Seller delivered identifier indicating whether a loan is part of a Freddie Mac
affordable program (either Home Possible®, or otherwise identified as an
affordable mortgage in the Seller’s negotiated terms). Yes indicates that the
loan was delivered by the Seller as an affordable loan.
S/S Adverse Finding Seller/Servicer Adverse Finding. Seller indicates whether a loan was found
(during the preclosing or post-closing review) to have a significant defect that
affects the eligibility of the mortgage sold to Freddie Mac. Freddie Mac,
during its QC review of the loan file, will determine if a violation exists.
• Yes: This loan was reported by the Seller/Servicer as an adverse loan.
• No: This loan was reported by the Seller/Servicer as not an adverse
loan.
• Blank: Seller/Servicer adverse finding data for this loan was prior to
May 1, 2017 and is unavailable in Quality Control Advisor.
This column does not contain data for Seller/Servicer adverse findings where
Freddie Mac did not perform a QC loan review based on the reported adverse
finding.
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Miscellaneous
Ch
ap
ter
5
The Miscellaneous tab provides access to features including: Adverse Self Reporting, Report Adverse Loan,
and Non-QC Sample.
Action Result / Notes
When accessing the
Miscellaneous tab, the
Adverse Self Reporting,
Report Adverse Loan,
and Non-QC Samplesub
tabs display.
Use any of the fields in
the top portion of the
page as filtering criteria
to search for an
individual loan or group
of loans.
Select your criteria and
click Filter.
The record(s) found re-
displays with the results.
To clear the criteria, click
Reset.
For field definitions, refer
to the Data Field
Definitions at the end of
this chapter.
NOTE: Other features/functionality available in Miscellaneous:
Columns of information can be sorted in ascending or
descending order by clicking the column title.
To sort by a different column, simply click on the heading of
the column you wish to sort.
Use the scroll bar at the bottom of the page to view all columns of
data.
Hover your cursor over a column heading to view a heading title or
to adjust the column width.
Export to Excel
Action Result / Notes
To export data, click Export
to Excel.
A new window displays
asking if you want to Open
or Save the Excel file.
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November 2019 Freddie Mac Learning Page 2
Data Field Definitions
The following table describes select data fields available in the Miscellaneous tab.
Field/Column Title Definition
Adverse Self Reporting Provides the results from the Freddie Mac review of the adverse self-reported
loan sample that the Seller identified.
Report Adverse Loan Report loan level finding that violate certain Guide requirements.
Non-QC Sample A sample of loans requested by Freddie Mac Loans that were not selected as
part of the standard monthly QC sample process (e.g. ad hoc loans)
Date Referral Received The date that Freddie Mac received the Seller’s notification that a loan had a
defect.
S/S Referral Comments The Seller’s description of the defect.
Freddie Mac Pursue
Referral
Determination as to whether Freddie Mac will refer the loan for a Quality
Control review. If “Yes”, the loan will be requested for review. If “No”, the loan
will not be requested for review at this time.
Remedy Description Indicates the type of remedy received on the loan.